Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Millstadt for teen drivers is State Farm
  • The cheapest car insurance company in Millstadt after a DUI is State Farm
  • Average car insurance rates in Millstadt, IL are $293/month

Average car insurance rates in Millstadt, Illinois are $293 a month. But with a little research you can get a great deal from the top car insurance companies in Millstadt, IL. Before you buy Millstadt, Illinois car insurance, make sure your coverage meets or exceeds the Illinois minimum of 25/50/20.

It may even be helpful to compare Millstadt car insurance rates with Naperville car insurance rates, Joliet car insurance rates, or Cicero car insurance rates to make sure you’re getting the best Millstadt, IL car insurance quotes available.

Need affordable Millstadt, IL car insurance? Enter your ZIP code to compare Millstadt car insurance quotes from multiple car insurance companies near you.

Millstadt, IL Minimum Car Insurance Coverage

Millstadt, Illinois law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Millstadt, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Millstadt, IL Car Insurance Rates by Coverage Level

Some Millstadt drivers can get by with the Illinois minimum coverage of 25/50/20. Other drivers may need more. See how much your Millstadt, Illinois car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Millstadt, Illinois

Insurance Company Low Medium High
Allstate $4,911 $5,086 $5,280
American Family $3,896 $4,211 $4,078
Farmers $4,399 $4,525 $4,993
GEICO $2,566 $2,833 $3,134
Liberty Mutual $2,342 $2,487 $2,650
Nationwide $3,847 $3,939 $3,912
Progressive $4,185 $4,523 $4,866
State Farm $2,085 $2,226 $2,359
Travelers $2,592 $2,782 $2,984
USAA $2,433 $2,623 $2,822

Millstadt, IL Car Insurance Rates by Age, Gender, and Marital Status

Millstadt, Illinois car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Millstadt, IL car insurance, get quotes from multiple car insurance companies in the Millstadt area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Millstadt, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,244 $3,259 $3,395 $3,395 $8,424 $10,922 $3,895 $4,206
American Family $2,520 $2,520 $2,307 $2,307 $7,150 $9,916 $2,520 $3,250
Farmers $2,476 $2,475 $2,196 $2,329 $10,724 $11,164 $2,818 $2,932
GEICO $1,727 $1,757 $1,670 $2,030 $5,565 $5,775 $2,170 $2,061
Liberty Mutual $1,516 $1,638 $1,256 $1,407 $5,140 $5,725 $1,585 $1,674
Nationwide $2,457 $2,496 $2,181 $2,311 $6,897 $8,859 $2,876 $3,118
Progressive $2,555 $2,406 $2,105 $2,201 $9,653 $10,858 $3,062 $3,358
State Farm $1,379 $1,379 $1,242 $1,242 $4,054 $5,140 $1,560 $1,792
Travelers $1,727 $1,823 $1,588 $1,693 $5,166 $6,536 $1,829 $1,928
USAA $1,564 $1,590 $1,459 $1,439 $5,065 $5,573 $2,058 $2,260

Millstadt, IL Car Insurance Rates for Teens

How much is Millstadt, Illinois car insurance for teens? Compare rates from top Millstadt car insurance companies below to help find the cheapest teen car insurance in Millstadt, IL.

Annual Car Insurance Rates for Teen Drivers in Millstadt, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,424 $10,922
American Family $7,150 $9,916
Farmers $10,724 $11,164
GEICO $5,565 $5,775
Liberty Mutual $5,140 $5,725
Nationwide $6,897 $8,859
Progressive $9,653 $10,858
State Farm $4,054 $5,140
Travelers $5,166 $6,536
USAA $5,065 $5,573

Millstadt, IL Car Insurance Rates for Seniors

Before seniors buy Millstadt, Illinois car insurance, they should make sure to shop around. Some Millstadt, IL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Millstadt, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,395 $3,395
American Family $2,307 $2,307
Farmers $2,196 $2,329
GEICO $1,670 $2,030
Liberty Mutual $1,256 $1,407
Nationwide $2,181 $2,311
Progressive $2,105 $2,201
State Farm $1,242 $1,242
Travelers $1,588 $1,693
USAA $1,459 $1,439

Millstadt, IL Car Insurance Rates by Credit History

How does your credit history affect Millstadt, IL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Millstadt, Illinois

Insurance Company Poor Fair Good
Allstate $6,490 $4,683 $4,104
American Family $5,403 $3,675 $3,107
Farmers $5,271 $4,431 $4,215
GEICO $4,571 $2,228 $1,734
Liberty Mutual $3,534 $2,199 $1,746
Nationwide $4,662 $3,756 $3,280
Progressive $5,128 $4,381 $4,065
State Farm $3,229 $1,937 $1,504
Travelers $3,394 $2,742 $2,223
USAA $3,489 $2,404 $1,985

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Millstadt, IL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Millstadt, Illinois car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Millstadt.

Annual Millstadt, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,624 $6,208 $5,757 $4,780
American Family $2,987 $4,229 $5,640 $3,389
Farmers $3,918 $5,055 $4,930 $4,654
GEICO $2,044 $2,834 $3,948 $2,551
Liberty Mutual $2,072 $2,952 $2,591 $2,356
Nationwide $3,131 $4,069 $4,793 $3,604
Progressive $3,712 $5,570 $4,114 $4,703
State Farm $2,025 $2,422 $2,223 $2,223
Travelers $2,207 $2,903 $3,259 $2,776
USAA $1,871 $2,693 $3,684 $2,256

Millstadt, IL Car Insurance Rates With a DUI

Even a single DUI can increase your Millstadt, IL car insurance rates. Compare rates below to see which Millstadt car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Millstadt, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,757
American Family $5,640
Farmers $4,930
GEICO $3,948
Liberty Mutual $2,591
Nationwide $4,793
Progressive $4,114
State Farm $2,223
Travelers $3,259
USAA $3,684

Millstadt, IL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Millstadt, IL car insurance rates may be. Let’s take a look at average car insurance rates from top Millstadt companies based on commute time.

Annual Car Insurance Rates by Commute Length in Millstadt, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,092 $5,092
American Family $4,009 $4,114
Farmers $4,639 $4,639
GEICO $2,792 $2,897
Liberty Mutual $2,493 $2,493
Nationwide $3,899 $3,899
Progressive $4,525 $4,525
State Farm $2,166 $2,281
Travelers $2,676 $2,897
USAA $2,552 $2,699

Millstadt, IL Cheapest Car Insurance Rates

How do the top Millstadt, Illinois car insurance companies’ average rates stack up against the Millstadt average monthly car insurance rates of $293? Take a look and see.

Best Annual Car Insurance Rates by Company in Millstadt, Illinois

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Millstadt, IL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Millstadt, Illinois car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Millstadt, Illinois

Insurance Company Average Annual Rates
Allstate $5,092
American Family $4,061
Farmers $4,639
GEICO $2,844
Liberty Mutual $2,493
Nationwide $3,899
Progressive $4,525
State Farm $2,223
Travelers $2,786
USAA $2,626

Other Factors Affecting Millstadt, IL Car Insurance Rates

Before you buy Millstadt, Illinois car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Millstadt, IL Commute Time

How does your Millstadt, IL commute time compare with the average driver? In Millstadt, the average commute is 25.1 minutes.

Millstadt, IL Car Insurance Quotes

Compare Millstadt, IL car insurance quotes from multiple companies by entering your ZIP code now.